Privacy and Policy

Raaj Khosla & Co. Pvt. Ltd., the parent company of mymoneymantra.com, along with its associated entities, including MyMoneyMantra Fintech Pvt. Ltd. (Website and Mobile App), values your privacy and is committed to safeguarding your personal information. This Privacy Policy outlines how MyMoneyMantra.com collects, uses, and protects the data you provide when interacting with our Website. It applies to both current and former visitors. By accessing and using our Website, you acknowledge and agree to the practices described in this policy. Your consent will be stored in our records for reference.

By continuing to use the Website, you consent to the collection and use of your information (including sensitive personal data as defined by the Information Technology Act and relevant regulations) in accordance with this Privacy Policy, which may be updated from time to time at our discretion.

We are dedicated to protecting your privacy. Please read this Privacy Policy carefully. By using the services provided by www.mymoneymantra.com, you agree to our collection and usage of your data. You authorize us, our business associates, and lending partners (including banks and NBFCs) to contact you via phone calls, SMS, IVR, and WhatsApp for product offerings, promotional information, and other relevant services. Your consent includes outreach from mymoneymantra and its partners for these purposes, and it supersedes any existing TRAI registrations you may have.

Additionally, by pressing "1" during any mymoneymantra IVR call, you consent to being contacted via call, SMS, IVR, and WhatsApp by us and our partners. This consent also allows us to assess your eligibility for various products based on your profile.

We collect information from our customers to personalize and enhance your experience on our Website and App. Below are the types of information we gather:

• Information You Provide: We store any information you enter on our Website/App or provide to us in any other way. While you can choose not to share certain details, this may limit your ability to use some of our services and features. Please note that we do not collect or store any biometric information.
• Automatic Information: We automatically receive and store certain types of information whenever you interact with us. This includes data collected through "cookies" and other technologies when your web browser accesses our Website or views content and advertisements served on our behalf on other websites. We may also gather information about your location and mobile device, including a unique identifier for your device.
• Access to Device Features: We may request one-time access to your camera, microphone, location, and mobile device for onboarding or KYC (Know Your Customer) purposes, with your explicit consent. This is in accordance with the Digital Lending guidelines issued by the RBI, as updated periodically.
• Information from Other Sources: We might receive information about you from other sources and combine it with your account information.
• OTP Authentication: When you complete an OTP authentication request, we retain session log reports until your account is deactivated.
• We collect and retain the information you provide through our Website or other means as necessary for the products or services you select. This may include personal details like your name, email address, date of birth, and city of residence. While you may choose to withhold certain information, it may impact your ability to fully access our services and features. Importantly, we do not collect or store biometric information.

mymoneymantra.com collects your information when you register for an account, use our products or services, or visit our Website. During registration, you will be asked to provide your full name, email address, and mobile number. Once registered and signed in, you are no longer anonymous to us. Additionally, we may request your contact number to send you SMS notifications about our services. By registering, you authorize mymoneymantra.com, including its business and lending partners (such as banks and NBFCs) and affiliates, to send text messages and email alerts with your login details and other service information, including promotional messages, even if you are registered under DND, DNC, or NCPR services. This authorization remains valid as long as your account is active.

How We Use Your Information:

• Assist our business and lending partners (including banks and NBFCs) in delivering services to you, processing applications, and communicating with you about products, services, and promotional offers.
• Respond to your inquiries, resolve any issues with the services provided, and address grievances.
• Administer and fulfill our obligations under any agreements with our business partners.
• Send you information about special promotions or offers, as well as updates on new features, products, or services. These could be offers from us or from third parties with whom mymoneymantra.com has a partnership.
• Conduct internal analysis and offer you location-based services, such as personalized content, search results, and advertising.
• Improve our platform, prevent or detect fraud or misuse of our Website/App, and enable third parties to perform technical, logistical, or other functions on our behalf. We may also combine your information with data received from third parties.
• Send you notices, communications, and service recommendations that might interest you, update our records, and maintain your account with us, including displaying relevant content and customer reviews.

Some features of our Website or Services will require you to provide personally identifiable information under your account section on our Website.

By using our services, you consent to the collection, storage, processing, transfer, and sharing of your information (including sensitive personal information) with third parties or service providers as outlined in this Privacy Policy.

Consent Validity

Your consent for the application remains valid for 180 days from the date of application. During this period, we may share your application with our partners to fulfill your product requests.

At mymoneymantra.com, we are committed to protecting your privacy. We will not sell, rent, or disclose your information for commercial purposes, except as outlined in this Privacy Policy.

We may share your information with third parties, including our group companies, employees, agents, business partners (such as banks and NBFCs), Credit Information Companies (CICs), service providers, and affiliates, for purposes specified in this Privacy Policy. In the event of a sale, merger, reorganization, or consolidation of mymoneymantra.com, we may transfer your personally identifiable information to any successor entity.

For the purposes of this policy, an "affiliate" is any person or entity that controls, is controlled by, or is under common control with mymoneymantra.com. "Control" refers to the ability to direct or influence the management or policies of the controlled entity.

We limit the collection and use of your personal information. We may aggregate or anonymize your data and disclose it in a non-personally identifiable form. Your access to account information and any personally identifiable data is strictly controlled and used only according to our internal procedures, and for the purposes outlined in this Privacy Policy. Third-party service providers who assist us in delivering our services are contractually obligated to maintain the confidentiality of your information.

We may also disclose your information without your prior consent to government agencies as required by law for identity verification, or for the prevention, detection, investigation, or prosecution of offenses, including cyber incidents, or when disclosure is necessary to comply with legal obligations. By using our Website, you agree to these disclosures.

Please note that third-party products or services, such as loans and credit cards offered on our Website by lenders, banks, and credit card issuers, are governed by their own privacy policies in addition to this one. mymoneymantra.com is not responsible for the privacy practices of these third parties. We encourage you to review their privacy notices when applying for their products or services.

Information Sharing with KreditBee

I confirm the above pan belongs to me. I authorize the lender/lending partners on KreditBee app to pull my records from CKYCR, run credit checks on my behalf, obtain my credit report and share the report with other lending partners

I declare that my monthly household income is more than Rs. 25000, and my borrowing under the present facility does not qualify to be treated as a microfinance loan.

Cookies are small data files stored on your computer that help us enhance your experience on our website. We use both session cookies and persistent cookies.

• Session Cookies: These are temporary cookies that expire and are deleted when you close your browser or log out. They help us track your preferences during your visit, reduce load times, and optimize server processing.
• Persistent Cookies: These are stored on your computer's hard drive for an extended period. They can, for example, remember your login preferences or other settings on our website. Importantly, cookies on mymoneymantra.com do not contain any personally identifiable information.

You can manage cookies through your browser settings. Most browsers allow you to block new cookies, receive notifications when a cookie is set, or disable cookies entirely. Additionally, you can manage similar data used by browser add-ons, such as Flash cookies, through the add-on's settings or the manufacturer's website.

Please note that cookies enable many of the essential features of our website. If you disable or reject cookies, you may not be able to use certain products and services that require you to sign in. Therefore, we recommend keeping cookies enabled for the best experience.

If you believe that we no longer need to retain your personal information or if you request the deletion of your personal data because you believe we do not have the right to process it, we will promptly destroy or delete such information. You may withdraw your consent for us to collect and use your sensitive personal data at any time, whether you are currently using our Services or not, by contacting us at unsubscribe@mymoneymantra.com

Please note that if you withdraw your consent, mymoneymantra.com may discontinue providing the Services that require this information. In such cases, no refunds will be issued for any fees paid, and the Website will not be liable for any claims related to this matter.

Like many websites, we use log files to collect certain information automatically. This includes details such as your IP address, browser type, ISP, referring and exit pages, platform type, date and time of access, and number of clicks. We use this data to analyze trends, manage our site, track user activity in a general sense, and gather broad demographic information.

Additionally, we may combine this log data with other information we collect about you. This helps us enhance the services we provide, improve our marketing efforts, and optimize site functionality.

At mymoneymantra.com, we prioritize the confidentiality, integrity, and availability of your personal information. To safeguard the data you provide, we implement a combination of technical and organizational security measures. These include electronic, procedural, and physical safeguards designed to protect against unauthorized access, use, alteration, and accidental loss or damage.

Despite these precautions, no transmission method over the Internet or electronic storage is completely secure. As such, we cannot guarantee absolute security. Additionally, it is crucial that you keep your login ID and password confidential and do not share them with any third parties.

We use your information to deliver products, services, and experiences tailored to you. You have control over how your non-personal information is collected and used online.

You also decide what personal information, including sensitive details like financial data, you choose to share with us. Please be aware that if you withhold any requested information, we may be unable to provide the services you have subscribed to.

You can withdraw your consent for us to collect and use your sensitive personal data at any time by contacting us at grievance@mymoneymantra.com. If you choose to withdraw consent, we may discontinue the services that require the information. Note that you will not receive a refund for any fees paid for such services, and mymoneymantra.com will not be liable for any such loss.

When you provide your contact details, we may use them to send general notices, important updates about your account, solicit your feedback, or inform you of special offers.

You can opt out of receiving marketing materials via email or SMS by adjusting your preferences in your account settings or by using the 'opt-out' link in our marketing emails. You may also email us at contactus@mymoneymantra.com. Please allow up to 10 days for your request to be processed. Note that we will still send you necessary updates about your services with us, even if you opt out of marketing communications.

To review and update your personal or sensitive information, log in to your account on our website. We are not responsible for the accuracy of the information provided by you or any third parties.

Third-Party Advertising

We use third-party advertising companies and agencies to display ads when you visit our website. These companies may collect information about your visits (excluding personal details like your name, address, email, or phone number) to deliver ads on our site and other websites that might interest you.

Our third-party partners may also gather anonymous data about your interactions with our site and other sites to tailor advertisements for products and services. This is done using technologies like pixel tags, which are standard in the industry. Rest assured, no personal information is collected through these methods.

Links to Other Websites

Our site may include links to third-party websites. We do not control these sites and are not responsible for their privacy practices. If you provide personal information to these external sites, it is not under our control. We recommend reviewing the privacy policies of any third-party sites you visit.

If you have any concerns, require clarification, or need to address discrepancies related to the information or data you provided to mymoneymantra.com, please contact our Grievance Officer. The details are as follows:

Niket Suman

Raaj Khosla & Co. Pvt. Ltd. (MyMoneyMantra) 
Room No. 110, Surya Kiran Building, 
19 K G Marg, New Delhi, 110001

Phone: +91 96501 36127 
Email: grievance@mymoneymantra.com

For questions, concerns, or suggestions about our Privacy Policy, you can reach us through the contact information on our Contact Us page or at contactus@mymoneymantra.com

To file a complaint with the RBI Sachet Portal, please visit: Sachet Portal

mymoneymantra.com may update this Privacy Policy periodically to comply with TRAI, RBI, and other relevant regulations in India. We encourage you to review this policy regularly. To see if there have been any changes since your last review, please check the effective date provided below.